Call reports 2013
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2013
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,695,000 | 95,505,000 | 93,862,000 | 93,371,000 |
| Total loans | 67,239,000 | 64,131,000 | 62,939,000 | 62,218,000 |
| Allowance for loan losses | 1,341,000 | 1,237,000 | 1,209,000 | 1,199,000 |
| Securities available for sale | 19,649,000 | 20,441,000 | 20,058,000 | 20,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,359,000 | 77,279,000 | 75,676,000 | 75,085,000 |
| Interest-bearing deposits | 77,621,000 | 75,717,000 | 74,077,000 | 73,376,000 |
| Noninterest-bearing deposits | 1,738,000 | 1,562,000 | 1,599,000 | 1,709,000 |
| Equity capital | 8,716,000 | 8,601,000 | 8,546,000 | 8,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,936,000 | 2,843,000 | 3,773,000 |
| Interest expense | 186,000 | 357,000 | 509,000 | 645,000 |
| Net interest income | 784,000 | 1,579,000 | 2,334,000 | 3,128,000 |
| Noninterest income | 81,000 | 118,000 | 148,000 | 214,000 |
| Noninterest expense | 644,000 | 1,323,000 | 2,034,000 | 2,713,000 |
| Provision for loan losses | 22,000 | 82,000 | 146,000 | 142,000 |
| Pretax income | 200,000 | 293,000 | 303,000 | 488,000 |
| Income tax | 44,000 | 55,000 | 35,000 | 78,000 |
| Net income | 156,000 | 238,000 | 268,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,382,000 | 8,464,000 | 8,496,000 | 8,637,000 |
| Total capital | 9,150,000 | 9,216,000 | 9,222,000 | 9,350,000 |
| Risk-weighted assets | 60,871,000 | 59,692,000 | 57,572,000 | 56,593,000 |